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Consumer complains after a fraudster tricks her into transferring funds from her bank account 

Decisions and case studies / Case studies

When Anna realised she'd been tricked into sending thousands of pounds to a fraudster, she told her bank she'd been a victim of fraud. But when her bank said it wasn’t responsible, she came to us for help.

Banking Fraud and scams ...

Published 12/10/2021    Last updated 14/07/2025

Consumer asks us to investigate if compensation amount for insurance claim was fair 

Decisions and case studies / Case studies

When Anita's phone was damaged, she claimed for the repair through her insurer. But the only existing photos of her honeymoon had been erased during the repair. She got in touch to see if the offer her insurer made was right, considering how upsetting losing the photos was.

Insurance Distress and inconvenience ...

Published 12/10/2021    Last updated 14/07/2025

Couple complain after wrongly diagnosed boiler issue leaves them without hot water 

Decisions and case studies / Case studies

Ron and James got in touch after they had been left without hot water or heating during the winter when engineers wrongly diagnosed the problem with their boiler. After hiring their own engineer who fixed the problem quickly, they came to us because of how their insurer had dealt with the situation.

Contents insurance Distress and inconvenience ...

Published 12/10/2021    Last updated 14/07/2025

Upset consumer complains after income protection is wrongly terminated by insurer 

Decisions and case studies / Case studies

After her income protection payments stopped because her insurer thought she no longer met the criteria, Ciara appealed the decision and was able to change the insurer's mind. But she came to us because of how they handled her situation and the considerable stress it caused.

Income Protection Distress and inconvenience ...

Published 12/10/2021    Last updated 14/07/2025

Consumer complains about the way insurer handled his car insurance claim 

Decisions and case studies / Case studies

We looked into Craig's complaint about how his insurer handled a claim, after delays settling the claim meant Craig had a County Court Judgement (CCJ) against him, showing on his credit file. After months of waiting, the insurer managed to get the CCJ removed, but this had caused Craig a lot of stress.

Motor Insurance Distress and inconvenience ...

Published 12/10/2021    Last updated 14/07/2025

Consumer complains about how independent financial adviser dealt with transferring portfolio 

Decisions and case studies / Case studies

After Chris' husband, Doug, passed away, Chris needed to transfer Doug's portfolio into his name. But multiple delays and errors caused a huge amount of distress and upset to Chris. He was offered £1,000 compensation, but came to us to make sure that this was fair considering what had happened. 

Investments Distress and inconvenience ...

Published 12/10/2021    Last updated 14/07/2025

Consumer brings complaint after bank refuses to refund lost money taken from him 

Decisions and case studies / Case studies

Jamal came to us for help after he lost £50,000 over nine months. He said this was due to a third party and his bank had said it wouldn't refund him. Jamal thought this was unfair, and said the problem had had a significant impact on his physical and mental health.

Banking Distress and inconvenience ...

Published 12/10/2021    Last updated 14/07/2025

Consumer complains about distress from credit company over outstanding balance 

Decisions and case studies / Case studies

Christine got in touch because even though she'd taken the right steps to "shelve" her credit card debt, she says the way her credit card provider dealt with her on several calls had led to a severe downturn in her mental health. She felt her provider should pay her £10,000 compensation for her distress.

Financial Difficulties Debt ...

Published 12/10/2021    Last updated 14/07/2025

Consumer complains over bank's compensation offer after mistake made with mortgage agreement 

Decisions and case studies / Case studies

Because of a mistake made on Reginald and his late wife's mortgage agreement, Reginald had to work in order to pay back the loan, resulting in spinal surgery. After seven years, the mistake was found and rectified, but we felt the bank hadn't properly considered the full physical, mental and financial toll on Reginald.

Mortgages Distress and inconvenience ...

Published 28/03/2025    Last updated 14/07/2025

A consumer is coerced into being a loan guarantor by a family member 

Decisions and case studies / Case studies

Nadia was forced into being a guarantor on a loan by a relative, but when she told the lenders, they didn't help her. So she came to us for help.

Consumer Credit Distress and inconvenience

Published 29/04/2021    Last updated 14/07/2025

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